SEMO is a free Android app that offers online loan services in Vietnam. It claims to provide loans of up to 10 million VND within 30 minutes of application. Users are required to select the loan amount and term, fill in the registration form, and wait for approval. Once approved, users need to confirm their agreement with the terms and conditions by entering an OTP code, and the money will be transferred to their ATM card. The app also supports installment loans and can be used for various purposes like shopping, services, entertainment, and travel.

SEMO requires the user to be a Vietnamese citizen aged between 20 and 70 years and have a valid ID card with a chip and a personal ATM bank account. The app offers three payment options, including payment from the user's personal account at SEMO, internet banking/electronic banking, or payment at the bank's transaction office. The minimum loan repayment period is 61 days, including the loan extension, and the maximum repayment period is 120 days. The maximum interest rate is 18.25% per year, although it may be lower for some loyal customers. Other fees are calculated based on the customer's needs.

Overall, SEMO is a convenient and easy-to-use app for anyone in Vietnam who needs quick access to loans for various purposes.